财会金融学院实验报告中级财务管理.docVIP

上海商学院实验报告课程实验名称实验日期实验报告日期 专业班级 姓 名学号一、实验目的 二、实验内容（描述实验任务） 三、实验环境（描述实验的软件、硬件环境） 四、实验步骤（描述实验步骤及中间的结果或现象。在实验中做了什么事情，怎么做的，发生的现象和中间结果） Assumption: The insurance applicant is a 30 years old man. He want to choose the insurance of 5 years. I suppose that he withdraw on due date. From the webside of China Life, I know that the rate of insurance is 4% . The analysis is below.： Insurance I: 国寿鸿鑫两全保险(分红型) This insurance should be paid 39,390 yuan each year . The insurance applicant should pay for 5 years. Then, the company will pay him 9,000 yuan each 3 years. The basic insurance amount is 10,000 yuan. 1.The present value of investment (PV)=A(P/A,4%,5)=39390*4.452=175357.28 2. Survival insurance: NPV=9000*(1+4%*3)^time 投资起点的现值=NPV*(1+4%*3)^-time age year time NPV(收益） 投资起点的现值 33 3rd year 9000 1 10080.00 9000.43 36 6th year 9000 2 11289.60 9000.07 39 9th year 9000 3 12644.35 9000.25 42 12th year 9000 4 14161.67 8999.74 45 15th year 9000 5 15861.08 8999.57 48 18th year 9000 6 17764.40 8999.45 51 21th year 9000 7 19896.13 8999.02 54 24th year 9000 8 22283.67 9000.37 57 24th year 9000 9 24957.71 8999.75 60 30th year 9000 10 27952.63 9000.75 63 33th year 9000 11 31306.95 9000.75 66 36th year 9000 12 35063.78 9000.87 69 39th year 9000 13 39271.44 9001.01 72 42th year 9000 14 43984.01 8999.13 75 45th year 9000 15 49262.09 9000.18 78 48th year 9000 16 55173.54 8998.80 80 50th year 150000.00 21000.00 sum 165107.06 Death benefit: 200,000 yuan（highest） Survival insurance: 165107.06 yuan Insurance II: 国寿美满一生年金保险(分红型) This insurance should be paid 50,000 yuan each year . The insurance applicant should pay for 5 years. Then, the company will pay him 3810 yuan each year. The basic insurance amount is 76,200 yuan. 1.The present value of investment (PV)=A(P/A,4%,5)=50000*4.452=222591.12 2. Survival insurance: NPV=3810*(1+4%)^year 投资起点的现值=NPV*(1+4%)^-year age year NPV 投资起点的现值 31 1 3810 3962.40 3807.87 32 2 3810 4120.90 3807.71